I have an credit card related query

56°
Deal Newbie
avijitmobi

I have one credit card, I spent al lot on that credit card and I repaid again. Now I don't have any outstanding because I have cleared all the due 1 day before bill generation. Now today I got bill with the outstanding amount which I have paid 1 day before. Shall I have to pay again that amount? Or I can skip it. Will it hamper credit score?

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Deal Lieutenant Deal Lieutenant
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Check if the paid amount is already reflected on the billing statement or not. Probably, it shouldn't.

Then confirm the credit card outstanding dues in the mobile banking app. It should show zero.

Ideally, you don't need to repay again.

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Deal Lieutenant Deal Lieutenant
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Check if the paid amount is already reflected on the billing statement or not. Probably, it shouldn't.

Then confirm the credit card outstanding dues in the mobile banking app. It should show zero.

Ideally, you don't need to repay again.

Deal Newbie Deal Newbie
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yes my current outstanding is 0
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Deal Subedar Deal Subedar
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Sit back relax and eat popcorn all good blush

Finance Mentor Finance Mentor
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Some banks consider spends only upto the day before statement date.



If your statement date is 11, they will only take spends and payments upto 10th for statement generation.

If your outstanding is zero or your limit is full and the payment entry is on or after your statement date, you don't have to worry about anything.

You don't need to pay everything before statement generation, by the way.

Critic Critic
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pay "the total due" mentioned in pdf statement

Deal Newbie Deal Newbie
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if i pay now then outstanding will be negative currently it is showing 0.
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